First Internet Bancorp is a bank holding company that conducts
its business activities through its subsidiary, First Internet Bank
of Indiana, an Indiana chartered bank (the "Bank"). The Bank was
the first state-chartered, FDIC-insured Internet bank. The Bank
offers a full complement of products and services on a nationwide
basis. We do so primarily over the Internet and have no branch offices.

We commenced banking operations in 1999 and grew organically in
our early years by adding new customers, products and capabilities.
In 2007, we acquired Indianapolis-based Landmark Financial Corporation.
The acquisition merged Landmark Savings Bank, FSB, into the Bank.
The Landmark acquisition added a small number of deposit customers,
primarily from Central Indiana, to the Bank; more importantly, it
added a turnkey retail mortgage lending operation that we could
expand through our Internet platform. More recently, we have added
commercial real estate ("CRE") and commercial and industrial ("C&I")
lending services to meet the needs of high-quality, underserved
commercial borrowers.

We offer first-lien residential mortgage loans in 50 states
and second-lien (home equity) loans as well as home equity lines
of credit in 44 states. We offer loans for homebuyers (purchase
money) as well as existing homeowners who wish to refinance
their current loans.

While we offer consumer loans and credit cards through our website
to a nationwide consumer base, the majority of our consumer
loans have been acquired through indirect dealer networks, primarily
horse trailers and recreational vehicles (RVs).

We offer CRE loans in Indiana and other parts of the Midwest
in the form of office, retail, industrial, and multifamily loans,
with credit tenant lease financing on a nationwide basis. We
began focusing on C&I loan originations in the Central Indiana
area in late 2011. We also offer expanded online account access
and treasury management service capabilities to CRE and C&I
borrowers.

We obtain deposits through the ACH network (direct deposit as
well as customer-directed transfers of funds from outside financial
institutions), remote and mobile deposit capture, mailed checks,
wire transfers, and a deposit-taking ATM network. By providing
a robust online toolset, quality customer service, and a tremendous
value for services offered, we have been able to develop relationships
with our retail customers and build brand loyalty.

The trading symbol for First Internet Bancorp on the NASDAQ
Capital Market is "INBK." First Internet Bancorp's CUSIP is
320557101. (Please note: Prior to February 22, 2013, First Internet
Bancorp traded on the OTCQB under the symbol "FIBP.")

First Internet Bancorp stock has also been registered as DTC
eligible, which will allow broker/dealers to transact trades
more efficiently. Certificates registered through the DTC can
be traded by broker/dealers in electronic book entry form rather
than requiring presentment of physical certificates.

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